Tag: Skipton Building Society
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Case Study: JBSP Mortgage in Essex with Spousal Visa Challenge
Introduction We recently helped three first-time buyers arrange a mortgage application to purchase a property in Ilford, Essex, with a 5% deposit. The main challenge was finding a lender willing to consider a 95% loan-to-value mortgage involving three applicants, one of whom held a spousal visa. Another applicant had also recently changed employment, adding a… Read more
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Mortgage Market News 2025
The mortgage market changed significantly during 2025 as Bank Rate gradually fell, inflation remained above target for much of the year, and lenders continued to adjust mortgage rates, affordability assessments and lending criteria. Competition increased at various points, with lenders making changes across residential, first-time buyer, self-employed, buy-to-let and more complex lending. For some borrowers,… Read more
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Mortgage Market News 2024
The mortgage market changed significantly during 2024 as inflation eased, mortgage lenders repeatedly adjusted fixed rates and lending criteria, and interest-rate expectations shifted throughout the year. Competition increased at various points across residential and buy-to-let lending. For some borrowers, changes to affordability calculations, loan-to-value limits and lender criteria were just as important as movements in… Read more
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Case Study: Buy-to-Let Remortgage in Wiltshire
Introduction We recently helped our customers remortgage a buy-to-let property in Wiltshire, raising additional capital for a future property investment while securing a new five-year fixed rate. Our customers were experienced landlords who lived in employer-provided military accommodation rather than owning their own residential home. This restricted their choice of buy-to-let lenders, particularly as they… Read more